Capital One with 0 APR on Balance Transfers

Personalized credit cards are very popular with customers today and we can name at least two major issuers who allow downloading images and photos on their products. They are Visa cards from Bank of America and Capital One Visa/MasterCard offers.

If your credit history is excellent or good (FICO score 660-850), pay attention to Platinum Plus Visa Card from Bank of America. Along with the lowest APRs, no annual fee and high credit lines, it offers you the opportunity to download any photo you like unless it violates the norms.

Another good/excellent credit card that would allow adding photos is Capital One Platinum Prestige, a no annual fee offer with competitive rates on purchases and balance transfers. Capital One Bank has a special service - Capital One Card Lab, where you can choose your own design.

If your credit is less than good, Capital One has special, limited credit, card offers with photo downloads. Check its Standard Platinum, designed for people who are building up their credit history and have no bad payments in their name as yet.

Once approved, you can use the Credit Lab to download an image or photo from the bank's collection or your own.

If you're currently shopping for good credit offers which allow setting a spending cap, check the cards we've selected. Consider Capital One Platinum Prestige, an excellent/good credit card with a low interest on purchases and balance transfers.

Blue from American Express is a lowest purchase APR card for excellent and good credit customers, which offers a profitable point rewards program. You can actually ask for a monthly spending cap, but make sure the company does not suspect that you do it out of insolvency.

Discover More Card would also be a great deal as it allows saving on purchases and balance transfers with the 0% intro APRs. Its generous cash back rewards program is a nice addition to the competitive rates and fee.

Remember, when setting a monthly spending cap on your credit limit, you actually lose the opportunity to take full advantage of the rewards programs. Also, a higher limit is always better than the lower. Your spending cap will be reflected as your credit limit actually, so you'll be treated as a low credit limit customer. Maybe, it's simply better to preserve the high limit and be more disciplined managing a credit card?

You are welcome to apply for one of the good credit cards online.

Discover More Card-Clear is a good credit card with 0% intro APR on b/t for 12 months, no annual fee and cash back rewards. Citi CashReturnsSM Card from Citibank offers a lowest APR on purchases in addition to 0% APR on balance transfers and generous cash back bonuses. Though these are high limit credit cards, your actual limit will depend on how much credit you can currently afford to have.

If you have a limited credit history and low FICO scores (620-659) because you're only building them up, you won't be able to qualify for good, no interest rate b/t credit cards. In this case an optimal variant with balance transfer option would be Capital One Platinum-Visa. It doesn't have a promotional period but offers a lowest ongoing APR on balance transfers. You're required to have no bad payments to qualify for this card. Also, its limit allows transferring the second card's balance only.

Study and compare these b/t cards to find which one you qualify for. Apply online.

If you're a student or young adult working for a living, if you have a stable job income and you have no bad payments with any current or previous financial institutions, consider Capital One cards for limited payment history. Capital One Standard Platinum, a no annual fee plastic, is a good option for young people with a job and a valid credit score. No Hassle CashSM Rewards for Young Adults is a Capital One's great rewards plastic that would also benefit college students looking for their first bank card.

In case your low credit score is the result of bad payments and overspending, you need to apply for a bad credit card. Centennial Gold MasterCard®/Visa from First PREMIER Bank is a low rate plastic with a mild annual fee and reasonable limit. If used wisely, it can be a great tool to increase your credit score and become a creditworthy customer.

Choose which of the cards suits your case and apply online.

0% APR balance transfers (b/t) credit cards are designed for people with good and excellent FICO scores, so check your credit report to make sure you qualify for the cards suggested below.

More Card - Clear from Discover Company offers 0% intro APR on purchases and balance transfers, as well as a no annual fee benefit. However, like all b/t cards, it does charge a transfer fee which depends on the amount transferred.

Citi CashReturnsSM Card of Citibank also offers a 12 months 0% intro APR on balance transfers but its minimum b/t fee is a bit lower than on the previous plastic. Also pay attention to Chase Bank Platinum Visa, which has 0% intro APR on purchases and b/t for as long as 12 months, and a bunch of Platinum benefits in addition.

Check if your credit score is somewhere between 660 and 850 and apply for one of these b/t cards online.

Take a look at Discover More Card-Clear. It's a great tool to pay off the outstanding debt without interest charges for 12 months. No annual fee on this offer will help you save even more. Citi CashReturnsSM Card from Citibank stands out for its low APR on purchases besides the 0% intro APR on balance transfers. Both the cards carry an attractive cash back rewards program. Platinum Visa from Chase Bank, also a 0% APR deal on balance transfers, offers a bunch of Platinum benefits into the bargain.

Take advantage of one of these highly profitable deals to save on debt payoff. Apply online!

Just as attractive is More Card from Discover, a highly lucrative cash back rewards plastic with the only drawback of a variable APR on purchases. A variable APR can turn beneficial though once the prime rate goes down.

Capital One Platinum Prestige is an excellent credit card which stands out for its lowest APR on purchases and balance transfers, also dependent on the prime rate. It uses an average daily balance as the interest computing method and has a 25 days grace period.

These are some of the best credit offers available on the market today. Compare them side-by-side, evaluate the features and apply online the most suitable credit card now!

The fastest and most effective way to improve your credit score is to get a new line of credit and make responsible payments on it. There is a certain selection of credit cards designed specially for people who have a bad (damaged) credit and want to repair it. We suggest you consider bad credit card offers from First PREMIER Bank, a major issuer working with customers with a history of non-payments and overspending.

Centennial Gold MasterCard®/Visa and Gold MasterCard®/Visa are designed to boost your credit score by reporting to the 4 major bureaus and extending your credit line when you make the first 2 minimum payments on time. Low APR on purchases, moderate annual fees and reasonable credit limits will help you to easily and safely manage the credit card.

A secured credit line might also be a great way to improve your FICO scores. Black Diamond Visa®from Millennium Bank offers a great credit limit of up to $10,000 and a bunch of insurances and protections typical of a standard unsecured card for good payment history. By reporting your responsible payments to major credit bureaus, this secured plastic will help you upgrade your credit in no time.

Choose which of the credit cards is best for improving your scores and apply for it online.

If you are a young adult with a job and a valid credit score at one of the bureaus or if you're a college student, you can choose from some nice credit options available with Capital One Bank.

Capital One Standard Platinum is a "limited" credit card which is right for you if you comply with the following requirements: you've never had a credit card before, you don't have any bad payments with previous or current financial institutions, you have a stable job and good income and there is a valid credit score in your name. Standard Platinum is a no annual fee plastic with great savings opportunities and credit building services.

If you're a college student, consider getting Standard Platinum for Young Adults, also issued by Capital One Company. With 0% intro APR on purchases, no annual fee and manageable credit line, it helps you build up a solid credit history fast and at a relatively low cost.

If your current status doesn't let you qualify for these 2 credit cars, you need to apply for a secured plastic. You have more chances of approval because you secure the credit line with your own cash deposit. The secured Black Diamond Visa®from Millennium Bank is a great tool to help you build up your own payment history.

Study the credit cards carefully before you choose one to apply for.

How quickly you're approved for any of the cards depends on your credit history. If everything is clear, you can get approval in a minute but the card itself will arrive in about 2 weeks. One of the major requirements is that your income is good enough for the limit you want to set up.

Evaluate the cards features and benefits and apply for the right card online.